- nkode should be opt-in
- old atms shouldn't use nkode (use your old pin on legacy hardware) 
	- we won't hit every user. just like magnetic card strips are still used...
- we've done preliminary test for such and such a case... We are interested in studying other things...
# Arcanum
- usability study 68% approval rating in usability study. after creating their first nKode it was 63% approval rating. 35% approval for new technology is a very high score.
- FIS MVP out of their venture center accelerator
- Need to better describe nKode
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